Oklahoma Rideshare Insurance

Oklahoma drivers can pick between Allstate, Farmers, GEICO, Mercury, State Farm, and USAA for their rideshare insurance policy. We recommend getting quotes from all of these companies to make sure you’re getting a policy that fits your needs.

Allstate

Allstate’s rideshare coverage is unique. While it provides coverage during period 1, Allstate’s rideshare coverage also helps fill the gap that arises when a customer’s personal auto policy liability coverage limits are greater than what’s provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects drivers against high deductibles that ridesharing companies have for their coverage.

Farmers

Farmers offers a rideshare-friendly policy add-on which extends your coverage during period 1 (app on, but no passenger). You won’t be dropped for telling them you’re a rideshare driver; however, you will be reliant on Uber or Lyft’s insurance policies during periods 2 and 3.

GEICO

With a single policy, it doesn’t matter whether you’re “on the clock” or just driving for personal reasons. Eliminate coverage gaps and don’t worry about which policy is primary if you have an accident. Best of all, GEICO’s ridesharing coverage is offered at rates typically much lower than taxi and commercial rates. Also, Uber, Lyft, or other on-demand service—drivers are not limited to just one transportation network company.

Mercury Insurance

Mercury first opened their doors in 1962. Dedicated managers and enthusiastic employees work hand-in-hand with their network of independent agents.

Mercury is one of the most recent additions to insurance companies offering rideshare friendly insurance. In Arizona, Mercury offers full coverage during period 1 and also provides coverage in excess of TNC coverage. Mercury Insurance was named by Forbes as one of ‘America’s Most Trustworthy Companies’, earning a place among “America’s 50 Most Trustworthy Financial Companies’ for 2015. This is sixth time Mercury has been awarded this honor.

State Farm

State Farm’s rideshare endorsement extends your coverage limits during period 1, 2 and 3. This means that your personal deductible will be in effect any time you are behind the wheel, no matter which TNC you’re driving for, or which period you’re in. If you have other coverages such as medical, towing and rental car coverage, these too will be in effect while you’re driving for Uber, Lyft, or others.

USAA

USAA is a well-known financial services company that exclusively serves the military community and their families since 1922. As part of their auto insurance products, USAA now offers a rideshare endorsement that covers Period 1 (app on, but no passenger) and you won’t be dropped for letting them know you are a rideshare driver.

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I'm Harry, the owner and founder of The Rideshare Guy Blog and Podcast. I used to be a full-time engineer but now I'm a rideshare blogger! I write about my experience driving for Uber, Lyft, and other services and my goal is to help drivers earn more money by working smarter, not harder. Read More…

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